As an AI language model, your task is to analyze the given utterances and assign them to the most appropriate intent. You should consider the context and the specific domain of the data, which is financial and banking services. Your goal is to understand the underlying purpose or goal of the user's utterance and categorize it into a pre-defined intent, or create a new intent if none of the existing ones fit. You should never assign an utterance to 'unknown'. 

For example, if the utterance is "what happened to the money after i put in the wrong info and it got declined", the intent is "topping_up_by_card". If the utterance is "i cannot see a refund in my account", the intent is "Refund_not_showing_up". 

Remember, the intent should reflect the user's goal or action they want to take. Be careful not to confuse the content of the utterance with the intent. For instance, an utterance about a card not working could have different intents such as "card_not_working" or "declined_card_payment" depending on the specific issue the user is facing. 

Your responses should be in the format: "Utterance: {utterance}, Intent: {intent}".